Eye Glasses
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Bplanxchange (Kindle Edition) 2010-08-28
Release date: 2010-08-28
Price:
$9.99
Answers
Im buying glasses soon and i have HealthNet insurance and want to know if the lenses are fully covered and how much they pay for the frames?
Your best bet is to go to your policy web site and find out what is covered. It also depends on if where you're buying the glasses is in network. most places give about a 25% discount up front out of network, then you send your receipts in for further reimbursement. Ask the optician to look up if they are in network for you.
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I've been shopping for new glasses recently, and there are all kinds of ads to get you in to the door at $100 off a set, etc... but none of them will honor it if it happens to be paired with your insurance benefits... this makes no sense to me, since the buyer most motivated to purchase instantly is one backed up with some extra cash from their insurance company... just don't get it.
Your eyeglass retailer takes a big hit from dealing with your insurer. Insurers do not pay retail. They use their size to bully providers into giving them lower prices than anyone else pays. Chances are if they took $100 of what your insurance pays, they would lose money.
Depends entirely on your plan. I would phone them first to confirm coverage. Some plans even have Health Spending Accounts where you get a certain amount of money to spend on whatever health related services you want.
I am new in Toronto and i have no idea how does 'health insurance' in toronto work.
Like how much money will i have to pay every month and i am looking for the one which has the eyeglasses insurance too.
and where do i get registered for that
I am a permanent resident in Canada
I have a health card...
i am asking about the health insurance... which includes free drugs and eye glassess..
Editing based on your clarifications:
You already have OHIP, and you're looking for supplemental insurance for the other expenses. Try insurance brokers in the yellow pages, or follow the links from the Insurance Canada industry website that I provided. Make a list of what expenses you would want help with - dentistry? chiropractic and physiotherapy? glasses? hearing aids? private room in the hospital? prescription drugs? wheelchairs and accessibility renovations?, and try to estimate what you'd spend on those things in a year or five years if you were paying for them yourself. Keep that in mind when you get quotes from various insurance companies. (With this kind of insurance, you don't just pay the premiums; you'll probably also have to pay some kind of deductible each year, or there might be a maximum charge, or a certain percentage of your expenses that they would pay. Their application forms might ask you questions about your existing health conditions, so that they can decide what to charge you.
Unless you have an employer paying part of the premiums for you, it is unlikely that you would save money buying supplemental health insurance. So buy it only for the really big things that you couldn't afford to pay for.
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leaving my first answer, as good general background:
Have you lived in Ontario for more than three months? You are eligible for OHIP, the basic free health insurance program provided through the government, as soon as you've lived in the province for three months. Go through the questions on the first link to find out how to get a card.
OHIP doesn't cover things like eyeglasses, dentistry, or prescription medication. Lots of private insurance companies sell *supplemental medical* insurance for those extra things. Your employer might have a plan which they would give you or let you pay for. If you're a student, your university or college probably has a supplemental medical package for students. Or if you want to buy that kind of insurance on your own rather than just paying for your glasses, dental work, and son on, you can shop around for various commercial insurance companies and pick the kinds of coverage you want.
My adult son needs new glasses very badly. He's been laid off from work so I thought I would get them as a birthday gift. If I take him to Wal-mart how much will the exam and glasses cost, approximately. Is there a less expensive way to go? I am on a limited income myself. Thanks for any help!
U WILL SAVE MORE $$$$ BY PURCHASING UR GLASSES AT COSTCO....... BETTER QUALITY........
Cantànima: My pathetic attempt to buy non-Chinese eyeglass frames
Naturally, I visited Eye Works again, but for some mysterious reason they no longer carry Safilo. Instead the salesman wanted to sell me frames that were made in China and cost nearly $300, when my old Italian-made frames cost less than $200. I object to that sort of thing. I (might) understand that under the current trade and political regimes, manufacturers find it cheaper to move their manufacturing operations to China; otherwise, they won't be able to compete with those who do. I am far less keen on the notion that they move operations to China, thereby cutting costs, yet jack up their prices all the same. Admittedly, I make things hard on myself by having non-standard tastes. On the one hand, I tend to be impervious to modern fashions: I want a pair of circular frames, or as close to circular as possible. I also want thin frames, preferably black—although I can put up with a color different from black, as long as it isn't flashy. Sadly, modern frame fashions are rectangular, frequently thick plastic, and very flashy. I am, needless to say, the frame salesman's worst nightmare. Okay, next up: the local mall. Our local Sears and JC Penney's don't have optical departments. Don't ask me why not; I don't know. That's just the way it is. Nor did the national chain in the mall carry anything remotely resembling my tastes. Why does everyone have to be so flashy and fashionable these days? Can't a fella just buy a modest pair of glasses? Wal-Mart was in the same parking lot as Heritage, so I popped by, even though my wife and I avoid Wal-Mart whenever possible, which is to say, most of the time. (We also save money that way, because my wife is quite good at hunting deals at the regular grocery stores, whereas Wal-Mart savings tend to be superficial, and let's not get into the quality of the fruit. Ugh.) I went in, and whaddayaknow: Wal-Mart sells Safilo. (Read that again. sells Safilo.) However, they didn't have the style I wear now, nor any Safilo styles similar to it. They also weren't able to special order any frames from Safilo; what they have is all you can get. One of their Safilo frames came close, but it was half-rimless. I won't put up with that stuff: I want a full rim around the lenses, dagummit. (How do you describe those frames where the bottom has no rim? I don't know.) I also noticed some circularish glasses from other brands that came close to my specifications, but they were made in China. Like, say, a Puritan brand for—brace for it—$38. Again: $38, about one-fifth the usual brands that are made in China. Putting some fashion designer's name on my face isn't worth paying five times the price of manufacture and distribution. They ought to pay I tried two more stores after Wal-Mart. One said that they'd be able to special order the frames I was interested in, then called back a few days later to say that no, one frame I was interested in was discontinued, and the other was back ordered until September 29th. I visited them anyway to see what they had, and was disappointed. More of the same: flashy this, rectangular that. At least Wal-Mart had something vaguely similar to what I wanted. Oh, well: I went in and re-selected the half-rimless Safilo frames. At this point the salesman informed me that they required special polycarbonate lenses because they are half-rimless. My vision insurance, which doesn't accept online purchases, only covers basic plastic frames. So I'd be paying a premium not only for the frames (the insurance only covers frames up to $100, and these frames were a non-negligible amount more) but also for the lenses. year or so I'd still be buying Italian frames. At this point it was clear that I had confused principle with vanity, and it was too much of a hassle, anyway. I went back to the wall, grabbed a pair of Puritans that are nearly identical to my current frames, my stupid vision insurance covered everything except a $15 deductible for both frames and glasses.
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